NACB (National Cap Bancorp) Debt-to-Asset : 0.02 (As of Dec. 2025)

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NACB National Cap Bancorp Inc NACB
60 GF Score
Price $85.00
GF Value $58.76
Valuation Significantly Overvalued
! 4 Warning Signs
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What is National Cap Bancorp Debt-to-Asset?

National Cap Bancorp NACB 60 Debt-to-Asset is 0.02 as of Dec. 2025. GuruFocus rates NACB with a GF Score™ of 60/100 and a GF Value™ of $58.76 (Significantly Overvalued). The stock has 4 warning signs investors should review.

National Cap Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.00 Mil. National Cap Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $13.84 Mil. National Cap Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $763.75 Mil. National Cap Bancorp's debt to asset for the quarter that ended in Dec. 2025 was 0.02.

National Cap Bancorp  (OTCPK:NACB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

National Cap Bancorp Debt-to-Asset Related Terms

National Cap Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for National Cap Bancorp's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

National Cap Bancorp Debt-to-Asset Chart

National Cap Bancorp Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial 0.02 0.02 0.04 0.03 0.02

National Cap Bancorp Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset Get a 7-Day Free Trial 0.02 0.02 0.04 0.03 0.02

NACB vs FSMK, MFBP, FDVA: Debt-to-Asset Comparison

For the Banks - Regional subindustry, National Cap Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

National Cap Bancorp Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, National Cap Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where National Cap Bancorp's Debt-to-Asset falls into.


NACB
60GF Score
National Cap Bancorp Inc NACB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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National Cap Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

National Cap Bancorp's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 13.843) / 763.751
=0.02

National Cap Bancorp's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 13.843) / 763.751
=0.02

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.02 mean?
National Cap Bancorp (NACB) has a Debt-to-Asset of 0.02 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on National Cap Bancorp and its competitors.
Is National Cap Bancorp's Debt-to-Asset too high?
National Cap Bancorp's current Debt-to-Asset is 0.02. Overall, National Cap Bancorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Cap Bancorp's Debt-to-Asset compare to FSMK and MFBP?
National Cap Bancorp's Debt-to-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on National Cap Bancorp and its competitors. National Cap Bancorp's current Debt-to-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Cap Bancorp stock overvalued right now?
Based on GuruFocus' analysis, National Cap Bancorp (NACB) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.76, compared to a current price of $85.00 — trading 44.7% above its estimated fair value. The current Debt-to-Asset is 0.02. National Cap Bancorp's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For National Cap Bancorp (NACB), the current Debt-to-Asset is 0.02 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is National Cap Bancorp (NACB) Overvalued in 2026?

Based on GuruFocus' analysis, National Cap Bancorp stock appears to be overvalued. The current stock price of $85.00 is trading 44.7% above its estimated GF Value™ of $58.76. GuruFocus considers National Cap Bancorp to be Significantly Overvalued.

Key valuation signals for NACB:

  • Debt-to-Asset: 0.02
  • GF Value™: $58.76 vs. price of $85.00 (44.7% above fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the NACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Cap Bancorp Business Description

Address 316 Pennsylvania Avenue, SE, Washington, WA, USA, 20003
National Cap Bancorp Inc provides general banking services. The bank provides personal banking, mortgages, business banking services, and wealth management such as personal savings and loans, mobile banking, ATM cards, robust eBanking, remote deposit capture, merchant processing, construction finance, equipment leasing, treasury management services, and others.
60GF Score

Get the complete analysis for NACB

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$85.00
Price
$58.76
GF Value